Click n' Close in Vermont vs the state
23.1%Denial rate+8.26 pts vs state
25.0%Decision denial rate+6.93 pts vs state
69.2%Origination rate+4.36 pts vs state
7.31%Median rate+0.61 pts vs state
2.20Rate spread (pts)+2.08 pts vs state
$88kMedian applicant income
9Loans originated
3Denied
What Click n' Close lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Click n' Close applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orleans County | 8 | 6 | 1 | 12.5% |
| Caledonia County | 3 | 1 | 2 | 66.7% |
| Chittenden County | 2 | 2 | 0 | 0.0% |
Other large lenders in Vermont
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Eastrise Federal Credit Union | A | 3,529 | 5.1% | 6.50% |
| Rocket Mortgage | C | 1,165 | 22.0% | 6.75% |
| North Country | C | 1,135 | 9.5% | 7.25% |
| Vermont Federal Credit Union | A | 1,003 | 12.0% | 6.75% |
| Citizens Bank | C | 826 | 38.9% | 7.65% |
| Emm Loans | B | 761 | 1.5% | 6.63% |
| Mascoma Bank | B | 717 | 16.5% | 6.75% |
| Union Bank | B | 641 | 4.5% | 6.63% |
| Manufacturers and Traders Trust | C | 617 | 30.8% | 5.99% |
| Community Bank | D | 607 | 13.3% | 7.00% |
Frequently asked questions
Vermont: 13 applications in 2025, of which 9 were originated and 3 denied.
23.1% of all applications, or 25.0% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Click n' Close originated in Vermont in 2025 was 7.31%, against a statewide median of 6.71%.
About this data. Figures are Click n' Close's own HMDA filing for properties located in Vermont, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology